new claim starts today. carlyle v cap one!

[bevcarlyle]

I sent my LBA today to these shysters asking for repayment to my account of the £380 in charges that they are trying to extort from me.

They are also calculating my purchase interest on the whole balance (of which most is charges) which I believe is wrong. I know they will fight but so will I.

I will also be receiveing and overlimit fee of £20 this month and each month until they refund my money. if this takes a few months it could be a good few pounds onto the total that they owe me.

Do I sent them an updated schedule of charges with correspondance then?

I noticed on my statement last week that they will be reducing future penalty charges to £12 as per the OFT ruling. This will come into effect next month.

[sidvicious]

you can add up the charges up until you get to money claim.then when you get a full settlement you can ask for any outstanding charges then.

[bevcarlyle]

They have received my letter according to the royal mail website!!

Counting the days til my first refusal from them!! Next letter is ready to be printed off as soon as it happens!!

[bevcarlyle]

got my letter from the imfamous mr udday. How kind that he is offering me £230 as a gesture of goodwill given that I have been so silly with my account and ignored the credit and charges agreement stating the cost of not running my account properly!

I am telling him that I would prefer the full amount that has been stolen from me and I will settle for nothing less.

Cant wait now!